Auto Insurance in Texas

Texas Auto Insurance Requirements

Drivers in Texas must carry at least 30/60/25 liability coverage. While that’s the legal minimum, it’s often not enough to cover serious accidents. Ironwood typically recommends higher limits to better protect your assets.

Coverages We Offer

  • Liability (required by law)
  • Collision (damage to your car)
  • Comprehensive (hail, theft, fire, floods, animal strikes)
  • Uninsured/Underinsured Motorist (covers you if the other driver can’t pay)
  • PIP or MedPay (medical expenses)
  • Optional extras like towing, roadside, and rental reimbursement
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Discounts and Multi-Vehicle Options

Save with safe driver discounts, multi-car households, defensive driving courses, and bundling with homeowners insurance. Families with teen drivers in Central Texas often benefit from good student discounts.

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Why Use an Independent Agent for Auto Insurance?

Rates vary widely between carriers. As an independent agency, Ironwood compares multiple insurers to find you the right fit, instead of limiting you to one option. And unlike online-only companies, you’ll always have a local agent to call if a claim arises.

Start Your Auto Quote

Whether you drive daily along I-35 or just need occasional coverage, Ironwood makes finding the right policy simple.

Frequently Asked Questions About Auto Insurance in Texas

  • What’s the minimum auto insurance required in Texas?

    30/60/25 liability coverage.

  • Does comprehensive cover hail damage?

    Yes, hail damage is included under comprehensive.

  • Can I get discounts for bundling with my home insurance?

    Yes, bundling usually lowers premiums.

  • Does Ironwood help with SR-22 insurance?

    Yes, if you need proof of financial responsibility, we can help.